Video – FBI Investigates $9 Million ATM Scam

NEW YORK, NY — A Fox 5 investigation exposes a worldwide ATM scam that swindled $9 million and possibly jeopardized sensitive information from people around the world. Law enforcement sources told Fox 5 it’s one of the most frightening well-coordinated heists they’ve ever seen.


Photos from security video (see photo gallery at left) obtained by Fox 5 show of a small piece of a huge scam that took place all in one day in a matter of hours. According to the FBI , ATMs from 49 cities were hit — including Atlanta, Chicago, New York, Montreal, Moscow and Hong Kong.

“We’ve seen similar attempts to defraud a bank through ATM machines but not, not anywhere near the scale we have here,” FBI Agent Ross Rice told Fox 5.

These people in the photos are believed to be “cashers,” low-level players, in a scheme devised from some mastermind — a dangerous computer hacker or hacking ring authorities fear could strike again.

Here’s how it all came down, according to information Fox obtained from the FBI and law enforcement sources:

The computer system for a company called RBS WorldPay was hacked. One service of the company is the ability for employers to pay employees with the money going directly to a card, called payroll cards, a lot like a debit card that can be used in any ATM. The hacker was able to infiltrate the supposedly secure system and steal the information necessary to duplicate or clone people’s ATM cards.

“We’ve never seen one this well coordinated,” the FBI said.

Then shortly after midnight Eastern Time on November 8, the FBI believes that dozens of the so-called cashers were used in a coordinated attack of ATM machines around the world.

“Over 130 different ATM machines in 49 cities worldwide were accessed in a 30-minute period on November 8,” Agents Rice said. “So you can get an idea of the number of people involved in this and the scope of the operation.”

Here is the amazing part: With these cashers ready to do their dirty work around the world, the hacker somehow had the ability to lift those limits we all have on our ATM cards. For example, I’m only allowed to take out $500 a day, but the cashers were able to cash once, twice, three times over and over again. When it was all over, they only used 100 cards but they ripped off $9 million.

The RBS Web site says that card holders will not be responsible for any unauthorized transactions. But there is fear that the hackers might have had access to sensitive information used in identity theft for a potential 1.5 million customers — including their including Social Security numbers.

“The number of machines that were accessed, the number of cities that were targeted, and the number of people that had to be involved in this is quite significant,” Agent Rice said.

Investigators are hoping a break in the case may come from one of the cashers. The theory is they probably were recruited, paid a small fee to be solders in the scam, and might be likely to rat out the people who hired them.

There are millions of people out there these days with these payroll cards. RBS officials say they have sent out letters to anyone who might have been affected. They are also offering one-year credit protection for people whose Social Security number may have been jeopardized by this scam. However, the good news is that it doesn’t look like any identity theft has occurred yet.

So far, the FBI has no suspects and has made no arrests in this scam. An attorney in Atlanta has filed a class-action lawsuit against RBS WorldPay for allegedly failing to protect personal information.

RBS WorldPay told Fox 5 the company has hired a security firm to try to figure out what happened and to prevent it from happening again.